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Jan 14, 2013
01/13
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that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other issue that was brought up was the issue of debt-income ratio, and this is something richard spoke about and what he would do with the qualified loans. american hero joe says, what did he mean by 20% of the grossly month in come? explain this issue for us? >> this goes to the heart of the ability to repay the loan issue, that described a little bit ago. we don't want people taking on loans they cannot afford to repay, that leads us to problems. what they have decided is that 43% is the outside level, if your mortgage debt, plus or other debt, with car loans or consumer debt or credit
that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other...
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Jan 18, 2013
01/13
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throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the question of autonomy. when schools are given more freedom to make decisions about their own budget and hiring and firing of teachers, is that correlate with higher achievement? indeed, it does appear to be correlated with that. that is something we need to do more research on and dig into the international date it deeper. the idea that schools should be more autonomous and not overregulated, i think the caller is probably correct on that. guest: when we were discussing poverty, the point was in general, higher levels of parlors -- poverty are correlated with lower levels
throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the...
77
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Jan 17, 2013
01/13
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also mean by a more balanced growth, growth that is more compatible with the sustainability of our environment and the fight against climate change. what does the need for us? i remind you that, in 2013, the imf is stronger, better equipped financially. it has certainly refined some of its tools. we'll continue to strengthen our surveillance, especially on spillover effects and on the financial sector. we will continue to strengthen our support for the entire spectrum of members through lending, capacity building, training and technical assistance. in other words, we're not only serving the needs of a selected group of companies -- a group of countries, but the entire membership. when you look at the world and see where our teams are, where there is building and technical assistance in programs, we are all over the map. and we will continue to push ahead with the important and not complete reform of " and governance. we are in three stages, two are completed. we are certainly short of a few members, one of which is obviously a key member. that is all everyone into open bar conference with. i w
also mean by a more balanced growth, growth that is more compatible with the sustainability of our environment and the fight against climate change. what does the need for us? i remind you that, in 2013, the imf is stronger, better equipped financially. it has certainly refined some of its tools. we'll continue to strengthen our surveillance, especially on spillover effects and on the financial sector. we will continue to strengthen our support for the entire spectrum of members through...
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Jan 17, 2013
01/13
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eye 88
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we could say after the fact -- through via social services, unsafe environment, is that really getting at the particular issue? i don't think it does. and sometimes they to be a little creative to do it. in regard to domestic violence, absolutely. and here's what we could do with that. first of all -- forgive me for saying the obvious, but nics, you know, is a wonderful thing. i'm sorry. ncic. well, they're both wonderful things. anything with a serial number goes in there, too, like a toaster, if you have one. it's not necessarily a go-to database to get where we want to get. i think you are right on. they should go in the ncis system. what we need is funding for crisis teams because a lot of times, even on guns, and often is the case, are not involved but someone needs some help, and an officer rolls up at 3:00 in the morning and they are very limited in the resources that are available to them. if there is funding for properly trained crisis intervention people, there we go. now we got something. now it is the mental health e.r., if you will and the officer doesn't have to try and b
we could say after the fact -- through via social services, unsafe environment, is that really getting at the particular issue? i don't think it does. and sometimes they to be a little creative to do it. in regard to domestic violence, absolutely. and here's what we could do with that. first of all -- forgive me for saying the obvious, but nics, you know, is a wonderful thing. i'm sorry. ncic. well, they're both wonderful things. anything with a serial number goes in there, too, like a toaster,...
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Jan 18, 2013
01/13
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for the environment? for climate? for science? for technology? we are getting the government. this is the hard truth. what is going to happen in two months is to solidify this. nobody is speaking out for the government. we're talking of protecting the few entitlements -- that is the rearguard action. do not kill everything. but we'll squeeze into nothing. you are absolutely right -- the top cannot pay. they have been given every way to get their money out tax-free. it is trillions of dollars that have been lost, in addition to what has been wasted. [applause] >> it is about to get fun. if i can get some quick responses -- i want to come to you. jeffrey sachs said a moment ago -- there is a bipartisan consensus that the port chester not matter. they end up being more and more invisible -- the port just do not matter. they end up being more and more invisible. talk about a guy like in johnson who in doing what he did make it clear that he knew he was writing off the south for the next 30 years of pushing the programs he pushed, the war on poverty, the civil rights act. let me as
for the environment? for climate? for science? for technology? we are getting the government. this is the hard truth. what is going to happen in two months is to solidify this. nobody is speaking out for the government. we're talking of protecting the few entitlements -- that is the rearguard action. do not kill everything. but we'll squeeze into nothing. you are absolutely right -- the top cannot pay. they have been given every way to get their money out tax-free. it is trillions of dollars...
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Jan 15, 2013
01/13
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now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr. frelinghuysen's effort to allow a waiver on historic preservation. well, yes, it should be done. these localities don't have that kind of money. and a lot of the revenue coming into these economies is coming from tourism. they come to see historic structures. they come to see the way that many parts of the northeast were. when we were building the foundation of this country. that money should be made available in whole with federal dollars. mr. frelinghuysen's amendment is right on point. it needs to be included. so i know i'm getting to -- i've got a good speech written to thank you. we've got wonderful st
now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr....